Dear Member,
If you receive this message when you login, it could be due to one
of the reasons stated below. 1) There has been 3
unsuccessful consecutive logins within 30 minutes, or 2)
It's been over 100 days since you last changed your passwordIf you are an Individual policy
holder:If you are an Individual policy
holder, please e-mail to CustomerServices.Gulf@metlife.ae
or call us at:

Dear Member,
If you receive this message when you login, it could be due to one
of the reasons stated below. 1) There has been 3
unsuccessful consecutive logins within 30 minutes, or 2)
It's been over 100 days since you last changed your passwordIf you are an Individual policy
holder:To unlock your account, please
e-mail to CustomerServices.Gulf@metlife.ae
or call us at:

MetLife ("MetLife," "we," "us") provides the website located at
http://www.mymetlifegulf.metlife.com/
(the "Website") for informational purposes.

Unless otherwise expressly set forth
herein, any information, communications or material you transmit to
this website by electronic mail or otherwise, including data,
questions, comments, or suggestions will be treated as
non-confidential and non-proprietary and will become the property
of MetLife. Such information, communications or material may be
used for any purpose, including, but not limited to, reproduction,
solicitations, disclosure, transmission, publication, broadcast,
and posting. Furthermore, MetLife is free to use any ideas,
concepts, know-how, or techniques contained in any communication
you send to this website for any purpose whatsoever, including, but
not limited to, developing and marketing products using such
information.

Please note that when you link to any
other website from this Website, the operator of such other website
(whether an MetLife affiliate or a third party) may collect
information about you, including through cookies or other
technologies. In addition, your Internet or other service
provider(s) may collect information about or submitted by you while
you use the Website, or any other website. You acknowledge that we
do not monitor or control, and are not responsible for, the
websites or information collection or privacy practices of any
other party, including MetLife affiliates. We provide links on the
Website to other websites only as a convenience, and the inclusion
of such links does not imply our endorsement of the linked site.
You should review the privacy policies of any other website that
you visit to understand how your information is collected and used.

Notwithstanding the information
policies stated above, we reserve the right to store and disclose
to third parties any information under the following circumstances:
when the law permits it (such as, for example, to comply with laws
or to respond to governmental authorities); to our legal advisors;
and to protect the rights, property, safety or security of MetLife,
our visitors or the public.

This Privacy Statement applies solely
to our online information collection and use practices in
connection with this Website; it does not apply to any of our
practices conducted offline, or in connection with other websites
owned or operated by us or our affiliates.

We reserve the right to make changes
to this Privacy Statement from time to time, which we may provide
to you by any reasonable means including, but not limited to,
posting the revised draft of the Statement on the Website. You will
always be able to determine when this Statement was last revised by
checking the "Last Revised" legend at the top of the Statement.

Privacy Policy

MetLife ("MetLife," "we," "us") provides the website located at
http://www.mymetlifegulf.metlife.com/
(the "Website") for informational purposes.

Unless otherwise expressly set forth
herein, any information, communications or material you transmit to
this website by electronic mail or otherwise, including data,
questions, comments, or suggestions will be treated as
non-confidential and non-proprietary and will become the property
of MetLife. Such information, communications or material may be
used for any purpose, including, but not limited to, reproduction,
solicitations, disclosure, transmission, publication, broadcast,
and posting. Furthermore, MetLife is free to use any ideas,
concepts, know-how, or techniques contained in any communication
you send to this website for any purpose whatsoever, including, but
not limited to, developing and marketing products using such
information.

Please note that when you link to any
other website from this Website, the operator of such other website
(whether an MetLife affiliate or a third party) may collect
information about you, including through cookies or other
technologies. In addition, your Internet or other service
provider(s) may collect information about or submitted by you while
you use the Website, or any other website. You acknowledge that we
do not monitor or control, and are not responsible for, the
websites or information collection or privacy practices of any
other party, including MetLife affiliates. We provide links on the
Website to other websites only as a convenience, and the inclusion
of such links does not imply our endorsement of the linked site.
You should review the privacy policies of any other website that
you visit to understand how your information is collected and used.

Notwithstanding the information
policies stated above, we reserve the right to store and disclose
to third parties any information under the following circumstances:
when the law permits it (such as, for example, to comply with laws
or to respond to governmental authorities); to our legal advisors;
and to protect the rights, property, safety or security of MetLife,
our visitors or the public.

This Privacy Statement applies solely
to our online information collection and use practices in
connection with this Website; it does not apply to any of our
practices conducted offline, or in connection with other websites
owned or operated by us or our affiliates.

We reserve the right to make changes
to this Privacy Statement from time to time, which we may provide
to you by any reasonable means including, but not limited to,
posting the revised draft of the Statement on the Website. You will
always be able to determine when this Statement was last revised by
checking the "Last Revised" legend at the top of the Statement.

Terms of use

PLEASE
READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE:

If you
do not agree with each term of use specified herein, you are not
granted permission to use the site and must exit this site
immediately.

The following terms and
conditions ("Conditions of Use"), in addition to site rules which
may be provided on this site, govern your use of this Web site. By
accessing, viewing, or using any material or content on this site,
you agree that you understand and intend all obligations in this
Terms of Use to be binding WITHOUT LIMITATION OR QUALIFICATION.

The term "you" refers to you as
an individual person and, in the case of company or other business
entity, that business entity and you as a person authorized by that
business entity to enter into and bind the business entity to these
Terms of Use, as well as any site Rules.

The terms "we,""us,""our", or
"MetLife" refer to MetLife.

"PAYMENT GATEWAY" refers to the
facility offered by MetLife at its website www.MetLife.ae which
provides to the User facility to pay through its own credit or
debit, premium of the insurance policy purchased from MetLife and
such other services as MetLife may decide to provide from time to
time. For the purpose of availing payment gateway, the User would
need to be a current Internet user or have legal access to the
internet. MetLife will advise from time to time the internet
software such as browsers which are required for using Payment
Gateway. There will be no obligation on MetLife to support all the
versions of these internet software.

CONDITIONS
OF USE:

BY USING THIS WEBSITE, YOU
ACKNOWLEDGE YOUR ASSENT TO THE FOLLOWING CONDITIONS OF USE WITHOUT
LIMITATION OR QUALIFICATION. PLEASE READ THESE CONDITIONS CAREFULLY
BEFORE USING THIS WEBSITE. THESE TERMS AND CONDITIONS MAY BE
REVISED AT ANY TIME BY UPDATING THIS POSTING. YOU ARE BOUND BY ANY
SUCH REVISIONS AND SHOULD THEREFORE PERIODICALLY VISIT THIS PAGE TO
REVIEW THE THEN CURRENT TERMS AND CONDITIONS TO WHICH YOU ARE
BOUND.

DISCLAIMER:

TO THE FULLEST EXTENT
PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS ON THIS
WEBSITE ARE PROVIDED "AS IS"AND WITHOUT WARRANTIES OF ANY KIND
EITHER EXPRESSED OR IMPLIED AND METLIFE. AND ITS SUBSIDIARIES AND
AFFILIATES (COLLECTIVELY, "METLIFE") DISCLAIM ALL WARRANTIES,
EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO,IMPLIED
WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
METLIFE DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE
MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE
CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT
AVAILABLE ARE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.
METLIFE DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE
USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE IN
TERMS OF THEIR CORRECTNESS, ACCURACY, RELAIBILITY,OR OTHERWISE. YOU
(AND NOT MetLife) ASSUME THE ENTIRE COST OF ALL NECESSARY
SERVICING, REPAIR, OR CORRECTION. THE INFORMATION AND DESCRIPTIONS
CONTAINED HEREIN ARE NOT NECESSARILY INTENDED TO BE COMPLETE
DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO
THE PRODUCTS AND SERVICES, BUT ARE PROVIDED SOLELY FOR GENERAL
INFORMATIONAL PURPOSES; PLEASE REFER TO THE ACTUAL POLICY OR THE
RELEVANT PRODUCT OR SERVICES AGREEMENT.

THE WEBSITE MAY BE LINKED TO
OTHER WEBSITES WHICH ARE NOT MAINTAINED BY METLIFE. METLIFE IS NOT
RESPONSIBLE FOR THE CONTENT OF THOSE WEBSITES. THE INCLUSION OF ANY
LINK TO SUCH WEBSITES DOES NOT IMPLY APPROVAL OF OR ENDORSEMENT BY
METLIFE OF THE WEBSITES OR THE CONTENT THEREOF.

LIMITATION OF LIABILITY While
MetLife uses reasonable efforts to include accurate and up-to-date
information on this website, errors or omissions sometimes occur.
To the fullest extent permissible under applicable law, MetLife
makes no warranties or representations as to the accuracy of the
content of this website and under no circumstances, including, but
not limited to, negligence, shall MetLife or any party involved in
creating, producing, or delivering the website be liable to you for
any direct, incidental, consequential, indirect,or punitive damages
that result from the use of, or the inability to use, the materials
on this website, even if MetLife or MetLife authorized
representative has been advised of the possibility of such damages.
In no event shall MetLife's total liability to you for all damages,
losses, and causes of action exceed the amount paid by you, if any,
for accessing this website.

MetLife also assumes no
responsibility, and shall not be liable for, any damages to, or
viruses that may infect, your computer equipment or other property
as a result of your acess to, use of, or browsing in the website or
your downloading of any materials, data, text, images, video, or
audio from this website.

ACCURACY DISCLAIMER: PLEASE NOTE
THAT THE CONTENT OF THIS WEBSITE IS INTENDED FOR INFORMATION ONLY.
THE myMetLife WEBSITE MAKES NO GUARANTEE OF ACCURACY OF ANY OF THE
INFORMATION CONTAINED HEREIN. WHILE EVERY EFFORT WILL BE MADE TO
KEEP THE DATA ACCURATE AND UP-TO-DATE.

RESTRICTION
ON USE OF MATERIALS:

This website is owned and
operated by MetLife. Except as otherwise expressly permitted by
MetLife, no materials from this website or any website owned,
operated, licensed or controlled by MetLife may be copied,
reproduced, republished, uploaded, posted, transmitted, or
distributed in any way. You may also download material displayed on
this website for your use only, provided that you also retain all
copyright and other proprietary notices contained on the
materials.You may not distribute, modify, transmit, reuse, repost,
or use the content of this website for public or commercial
purposes, including ther text, images, audio, and video without
MetLife's written permission. MetLife neither warrants nor
represents that your use of materials displayed on this website
will not infringe rights of third parties.

JURISDICTIONAL
ISSUES:

Unless otherwise expressly set
forth herein, MetLife makes no representation that materials on
this website are appropriate or available for use in any location.
Those who choose to access this website do so on their own
initiative and are responsible for compliance with local laws.

Except as expressly set forth
herein the information contained on this website is not an offer to
sell or a solicitation to buy any security, Insurance product, or
other product or service by MetLife. No security, insurance product
or other product or service is offered or will be sold by MetLife
or, if sold by MetLife, will be effective in any jurisdiction in
which such offer or solicitation, purchase or sale would be
unlawful under the securities, insurance or other laws of such
jurisdiction. Some products and services may not be available in
all jurisdictions.

OWNERSHIP
OF INFORMATION:

Any information, other than the
personal data or information, you transmit to MetLife via this
website, by electronic mail or otherwise, including data,
questions, comments, or suggestions will be traeted as
non-confidential and non-proprietary and will become the property
of MetLife. Such information, other than personal data or
information, may be used for any purpose, including, but not
limited to, reproduction, solicitation, disclosure, transmission,
publication, broadcast, and posting. MetLife is free to use any
ideas, concepts, know-how, or techniques contained in any
communication you send to MetLife via this website or by any other
means for any purpose whatsoever, including, but not limited to,
developing and marketing products using such information.

TRADEMARKS AND COPYRIGHTS All
trademarks, services marks, trade names, logos,and icons are
proprietary to MetLife. Nothing contained on the website should be
construed as granting, by implication, estoppel, or otherwise, any
license or right to use any trademark displayed on this website
without the written permission of MetLife. Your use of the
trademarks displayed on this website, or any other content on this
website, except as provided herein, is strictly prohibited.

Images displayed on this website
are either the property of, or used with permission by, MetLife.
The use of these images by you, or anyone else authorized by you,
is prohibited unless specifically permitted by MetLife. Any
unauthorized use of images may violate copyright laws, trademark
laws, the laws of privacy and publicity, and communications
regulations and statutes.

SOFTWARE
LICENSES:

You acknowledge that any
software which may be available or provided to you on this website
may contain technology that is subject to strict controls pursuant
to export control laws and regulations of the United States of
America and other countries and jurisdictions. You hereby agree
that you will not transfer or export such software in violation of
such applicable export laws and regulations. MetLife does not
authorize the downloading or exportation of any software or
technical data from this website to any jurisdiction prohibited by
such export controls laws and regulations.

ELECTRONIC
SIGNATURES:

As part of the services provided
by myMetLife, you may be given the option to sign certain
communications electronically by either checking the appropriate
box or engaging in a similar online process as instructed online.
You agree that by checking the appropriate box or engaging in the
online electronic signature process, you are providing your
electronic signature and agree to be bound by the terms and
conditions of such communication just as if you had signed your
name to a paper document. Your electronic signature shall be
governed by the provisions of UAE law No. 2 of 2002 regarding the
formation and validity of e-contracts.

ONLINE
PREMIUM PAYMENT:

DISCLAIMER:

Payment towards Top up/Dump in
premiums should not be made online.

The payment of renewal premium
is permitted only by a policyholder for a policy purchased by him.
No third party payment of renewal premium is permitted.

While processing transactions of
cards, there could be a currency conversion done by the policy
holder's card issuing bank on the amount of the premium payment
being made by the policy holder. This may result in an additional
charge levied by the policy holder's issuing bank on the
transaction to cover any currency fluctuations. This could apply to
the processing of the premium payment, refunds or chargeback's
pertaining to cards.

MetLife shall not be
responsible, directly or indirectly, for any consequences arising
out of misuse of the card or for any loss/es sustained due to
currency rate fluctuation while processing charge back. Any loss on
account of currency rate fluctuation shall be borne by the card
holder.

Applicability of
Terms: These terms form the contract between the User and MetLife
for the use of the internet Payment Gateway. Either expressly as
indicated above or by using the payment Gateway for the first time,
the User acknowledges and accepts these Terms. Notwithstanding
anything contained herein, all terms and conditions stipulated in
the Policy shall continue to apply.

Unauthorized
Access: The User shall take all necessary precautions to prevent
unauthorized and illegal use of payment gateway and therefore shall
not disclose the details of its credit or debit card details to any
other person to prevent its unauthorized use.

Maintenance of
Sufficient Balance:The User shall ensure that there are sufficient
funds (or prearranged credit facilities) in its credit card or bank
Account for payment of premium through the payment gateway and
MetLife shall not be liable for any consequences arising out of its
failure to carry out the instructions due to inadequacy of funds
and/or credit facilities.

Accuracy of
Information and Instructions: The User is responsible for the
correctness of information supplied to MetLife for use of that
Payment Gateway.MetLife accepts no liability for the consequence
arising out of erraneous information supplied by the User. If the
User notices an error in the information supplied to MetLife either
in the website or any other communications, he shall immediately
advise MetLife which will endeavour to correct the error wherever
possible on a "reasonable efforts" basis. The User is also
responsible for the accuracy and authenticity of the instructions
provided to MetLife and/or Service provider and the same shall be
considered to be sufficient to operate the payment gateway.

MetLife shall have no liability
or obligation to independently verify the instructions or the
authenticity of any transaction from the User. MetLife shall not
have any liabilty or obligation to keep a record of the
instructions to provide information to the User or for verifying
User's instructions. MetLife may refuse to comply with the
instructions without assigning any reason and shall not be under
any duty to assess the prudence or otherwise of any instructions
and have the right to suspend the operations through the payment
gateway if it has reason to believe that the User's instructions
will lead or expose to direct or indirect loss or may require an
indemnity from the User before continuing to operate the Payment
Gateway.

Liability of the
User and MetLife: Neither MetLife nor the service providers shall
be liable for any unauthorized transaction occurring through the
Payment Gateway and the User hereby fully indemnifies and holds
MetLife and the service providers harmless against any action,
suit, proceeding initiated against it or any loss, cost or damage
incurred by it as a result thereof. MetLife shall under no
circumstance be held liable to the User if the Payment Gateway is
not available in the desired manner for reason including but not
limited to natural calamities, legal restraints, faults in the
telecommunication network or network failure, or any other reason
beyond the control of MetLife, Under no circumstances shall MetLife
be liable for any damages whatsoever and whether such damages are
direct, indirect, incidental consequential and irrespective of
whether any claim is based on loss of revenue, interruption of
business or any loss of any character or nature whatsoever and
whether sustained by the User or by any other person. Illegal or
improper use of the Payment Gateway shall render the User liable
for payment of financial charges as decided by MetLife or will
result in suspension of the operation through the Payment Gateway.

Indemnity: In
consideration of MetLife providing the User the Payment Gateway,
the User shall indemnify and hold MetLife and/or its service
providers, as the case may be, including both their officers,
employees and agents, indemnified against all losses and expenses
on full indemnity basis which MetLife may incur, sustain, suffer or
is likely to suffer in connection with MetLife or its service
providers' execution of the User's instructions and against all
actions, claims, demands, proceedings, losses, damages, costs,
charges and expenses as a consequence or by reason of providing a
service through Payment Gateway for any action taken or omitted to
be taken by MetLife and/or the service providers, its officers,
employees or agents, on the instructions of the User.

The User will pay MetLife and/or
the service providers such amount as may be determined to be
sufficient to indemnify it against any such, loss or expenses even
though they may not have arisen or are contingent in nature.

Non-Transferability:
The grant of Payment Gateway to a User is not transferable under
any circumstance and shall be used only by the User.

Termination of
Payment Gateway facility: MetLife may at its sole discretion
suspend or terminate the payment gateway facility at any time for
any reason. The User will remain responsible for any transactions
made through the payement gateway until the time of such
termination.